US Bank Directory
Banks in Royal Oak, MI
6 FDIC-insured banks operate 11 offices in Royal Oak, Michigan, and 8 credit unions have 9 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Royal Oak
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 14 banks and credit unions operate 20 locations in Royal Oak, according to the FDIC and the NCUA. 20 of them have coordinates on record and are on the map. 15 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
20 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Royal Oak
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Huntington has the most locations in Royal Oak, with 4. It is followed by Fifth Third Bank (3). 4 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Huntington Bank · 4
Huntington has 4 branches in Royal Oak, 447 across Michigan and 1,477 nationwide. FDIC records list its main office in Columbus, OH and show it operating since 1866. With $283.07 billion in total assets on June 30, 2026, it ranks No. 15 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Royal Oak location is the Royal Oak Crooks Rd Branch at 1811 Crooks Rd, dating to 1934; the newest, at 30955 Woodward Ave, to 2021. 1 of its 2 Royal Oak locations with published hours open on Saturday.
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Royal Oak Crooks Rd Branch1811 Crooks Rd, 48073
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Woodward Corners Branch30955 Woodward Ave, 48073
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Crooks Road Branch4609 Crooks Rd, 48073
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: Huntington branch locator (All The Places), checked Oct 10, 2026
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Downtown Royal Oak Branch800 S Main St, 48067
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: Huntington branch locator (All The Places), checked Oct 10, 2026
Fifth Third Bank Bank · 3
Fifth Third Bank has 3 branches in Royal Oak, 308 across Michigan and 1,508 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1865. With $299.18 billion in total assets on June 30, 2026, it ranks No. 14 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Royal Oak location is the Royal Oak Banking Center at 29710 Woodward Ave, dating to 2003; the newest, at 323 S Main St, to 2021. All 2 of its Royal Oak locations with published hours open on Saturday.
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Royal Oak Banking Center29710 Woodward Ave, 48073
All hours
Mon closed; Tue to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun closed
Hours: Fifth Third Bank branch locator (All The Places), checked Oct 10, 2026
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Royal Oak #305 Branch323 S Main St, 48067
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Royal Oak Main Banking Center Branch803 S Main St, 48067
All hours
Mon closed; Tue to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun closed
Hours: Fifth Third Bank branch locator (All The Places), checked Oct 10, 2026
Our Credit Union Credit union · 2
Our Credit Union has 2 officees in Royal Oak, 6 across Michigan. It is based in Royal Oak, MI and $369.8 million in assets on March 31, 2026, according to its NCUA call report. All 2 of its Royal Oak locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Main Office main office3070 Normandy Rd, 48073
All hours
Mon to Tue 9 am to 5 pm; Wed 10 am to 5 pm; Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
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Washington Office726 S Washington Ave, 48067
All hours
Mon to Tue 9 am to 5 pm; Wed 10 am to 5 pm; Thu not published; Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Bank of America Bank · 1
Bank of America has 1 branch in Royal Oak, 72 across Michigan and 3,598 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1904. With $2.65 trillion in total assets on June 30, 2026, it ranks No. 2 of 4,232 U.S. banks by total assets. The North Woodward Branch at 28746 Woodward Ave dates to 1890 in FDIC branch records. It opens on Saturday.
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North Woodward Branch28746 Woodward Ave, 48067
All hours
Mon closed; Tue to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
Citizens Bank · 1
Citizens has 1 branch in Royal Oak, 65 across Michigan and 977 nationwide. FDIC records list its main office in Providence, RI and show it operating since 2005. With $232.52 billion in total assets on June 30, 2026, it ranks No. 20 of 4,232 U.S. banks by total assets. The Royal Oak at 200 S Main St dates to 1934 in FDIC branch records. It opens on Saturday.
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Royal Oak200 S Main St, 48067
All hours
Mon to Fri 9 am to 4 pm; Sat 9 am to 12 am; Sun not published
Hours: Citizens branch locator (All The Places), checked Oct 10, 2026
Citizens State Bank Bank · 1
Citizens State Bank has 1 branch in Royal Oak, 3 across Michigan and 3 nationwide. FDIC records list its main office in Royal Oak, MI and show it operating since 1910. With $581.0 million in total assets on June 30, 2026, it ranks No. 1,605 of 4,232 U.S. banks by total assets. Its main office at 32500 Woodward Ave dates to 1910 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office32500 Woodward Ave, 48073
Community Choice Credit Union Credit union · 1
Community Choice Credit Union has 1 office in Royal Oak, 23 across Michigan. It is based in Farmington Hill, MI and $2.07 billion in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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07 Royal Oak Member Center1740 Crooks Rd, 48067
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Cornerstone Community Financial Credit Union Credit union · 1
Cornerstone Community Financial Credit Union has 1 office in Royal Oak, 7 across Michigan. It is based in Auburn Hills, MI and $479.6 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Royal Oak30606 Woodward Ave, 48073
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
First Merchants Bank Bank · 1
First Merchants Bank has 1 branch in Royal Oak, 34 across Michigan and 135 nationwide. FDIC records list its main office in Muncie, IN and show it operating since 1893. With $21.32 billion in total assets on June 30, 2026, it ranks No. 101 of 4,232 U.S. banks by total assets. The Detroit Headquarters Branch at 400 W 4th St dates to 2026 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Detroit Headquarters Branch400 W 4th St, 48067
Genisys Credit Union Credit union · 1
Genisys Credit Union has 1 office in Royal Oak, 30 across Michigan. It is based in Auburn Hills, MI and $6.44 billion in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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15 Royal Oak530 N Main St, 48067
All hours
Mon to Thu 9 am to 5:30 pm; Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Michigan Educational Credit Union Credit union · 1
Michigan Educational Credit Union has 1 office in Royal Oak, 7 across Michigan. It is based in Plymouth, MI and $1.11 billion in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Mecu-Royal Oak1903 Rochester Rd, 48073
All hours
Mon to Fri 9:30 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Michigan First Credit Union Credit union · 1
Michigan First Credit Union has 1 office in Royal Oak, 32 across Michigan. It is based in Lathrup Village, MI and $1.50 billion in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Royal Oak Kroger Branch2200 E 12 Mile Rd, 48067
All hours
Mon to Fri 10 am to 7 pm; Sat 10 am to 3 pm; Sun not published
Hours: NCUA, March 31, 2026
Michigan Schools and Government Credit Union Credit union · 1
Michigan Schools and Government Credit Union has 1 office in Royal Oak, 24 across Michigan. It is based in Clinton Townshi, MI and $4.37 billion in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Royal Oak31805 Woodward Ave, 48073
All hours
Mon to Wed 9 am to 5 pm; Thu 9 am to 6 pm; Fri not published; Sat 9 am to 1 pm; Sun closed
Hours: NCUA, March 31, 2026
Vibe Credit Union Credit union · 1
Vibe Credit Union has 1 office in Royal Oak, 16 across Michigan. It is based in Novi, MI and $1.57 billion in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Royal Oak Branch501 S Main St, 48067
All hours
Mon to Fri 10 am to 6 pm; Sat 10 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Royal Oak
8 credit unions have 9 offices here: Our Credit Union, Genisys Credit Union, Michigan Schools and Government Credit Union, Community Choice Credit Union, Vibe Credit Union and Michigan First Credit Union and 2 more. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Royal Oak page has every office in the state's directory.
Banking in Royal Oak: the local picture
Short answer: 6 banks run 11 branches in Royal Oak according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 6 banks, 1 has its main office in Royal Oak and 5 out of state, according to the FDIC.
The bank with the longest record here is Fifth Third Bank, operating since 1865 according to the FDIC. In FDIC branch records, the longest-running branch is Bank of America's office at 28746 Woodward Ave, dating to 1890; the newest is First Merchants Bank's at 400 W 4th St, from 2026.
8 credit unions have 9 offices in Royal Oak, according to the NCUA. Who can join each one is on the credit unions page.
Of the 15 locations with published hours. 12 open on Saturday. 5 locations have no published hours in these sources.
Banks by ZIP code in Royal Oak
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 48067 has the most bank and credit union offices in Royal Oak (11), followed by 48073 (9). Offices are spread across 2 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 48067 | 11 | 10 | Fifth Third Bank, Bank of America, Citizens |
| 48073 | 9 | 7 | Huntington, Citizens State Bank, Cornerstone Community Financial Credit Union |
Banks and credit unions open on Saturday in Royal Oak
Short answer: 12 of the 15 Royal Oak locations with published hours open on Saturday, run by 10 institutions.
- Huntington: 1 of 4 branches (800 S Main St: Saturday 9 am to 12 pm)
- Fifth Third Bank: 2 of 3 branches (29710 Woodward Ave: Saturday 9 am to 1 pm, and 1 more)
- Bank of America: 1 of 1 branch (28746 Woodward Ave: Saturday 9 am to 2 pm)
- Citizens: 1 of 1 branch (200 S Main St: Saturday 9 am to 12 am)
- Our Credit Union: 2 of 2 offices (3070 Normandy Rd: Saturday 9 am to 1 pm, and 1 more)
- Genisys Credit Union: 1 of 1 office (530 N Main St: Saturday 9 am to 1 pm)
- Michigan Schools and Government Credit Union: 1 of 1 office (31805 Woodward Ave: Saturday 9 am to 1 pm)
- Community Choice Credit Union: 1 of 1 office (1740 Crooks Rd: Saturday 9 am to 1 pm)
- Vibe Credit Union: 1 of 1 office (501 S Main St: Saturday 10 am to 2 pm)
- Michigan First Credit Union: 1 of 1 office (2200 E 12 Mile Rd: Saturday 10 am to 3 pm)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 5 of the 20 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Royal Oak, and where the nearest one is if they do not.
Short answer: In Royal Oak: Bank of America (1), Fifth Third Bank (3), Huntington (4). No branches in Royal Oak: Chase (nearest in Huntington Woods, 1 mi), Wells Fargo (nearest in Birmingham, 3 mi), PNC Bank (nearest in Berkley, 1 mi), U.S. Bank, Truist, Regions Bank, TD Bank, BMO.
| Bank | In Royal Oak | Nearest branch if none here |
|---|---|---|
| Bank of America | 1 branch | here |
| Fifth Third Bank | 3 branches | here |
| Huntington | 4 branches | here |
| Chase | None | Huntington Woods, 1 mile away |
| Wells Fargo | None | Birmingham, 3 miles away |
| PNC Bank | None | Berkley, 1 mile away |
| U.S. Bank | None | none in Michigan |
| Truist | None | none in Michigan |
| Regions Bank | None | none in Michigan |
| TD Bank | None | none in Michigan |
| BMO | None | none in Michigan |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Royal Oak to the nearest branch in Michigan.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Royal Oak residents like anyone else.
Banks near Royal Oak
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Berkley (1 mile) and Ferndale (3 miles). Birmingham, 4 miles away, has the most banks nearby: 15.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Berkley, MI | 1 mi | 2 | 2 |
| Banks in Ferndale, MI | 3 mi | 3 | 3 |
| Banks in Lathrup Village, MI | 3 mi | 2 | 2 |
| Banks in Madison Heights, MI | 3 mi | 4 | 4 |
| Banks in Beverly Hills, MI | 3 mi | 2 | 2 |
| Banks in Birmingham, MI | 4 mi | 15 | 18 |
| Banks in Troy, MI | 5 mi | 14 | 29 |
| Banks in Southfield, MI | 5 mi | 6 | 13 |
Bank branch openings and closings in Royal Oak
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show 1 branch opening in Royal Oak between September 5, 2025 and September 5, 2026.
| Date | Change | Bank | Address |
|---|---|---|---|
| Apr 6, 2026 | Opened | First Merchants Bank | 400 W 4th St, 48067 |
Effective dates as recorded in FDIC BankFind branch history. Closings and relocations are not tracked by the sources this page uses yet. Credit union offices are not included; the NCUA does not publish opening dates.
Banks and credit unions based in Royal Oak
Short answer: 2 institutions have their main office in Royal Oak: Our Credit Union and Citizens State Bank.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Our Credit Union | Credit union | $369.8 million | 2 |
| Citizens State Bank | Bank | $581.0 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Royal Oak by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Royal Oak offices.
Short answer: Bank of America is the largest bank with offices in Royal Oak, with $2.65 trillion in total assets on June 30, 2026, No. 2 among U.S. banks by total assets. Fifth Third Bank is second with $299.18 billion. 1 of the 6 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Bank of America | $2.65 trillion | No. 2 | 1 | Charlotte, NC |
| Fifth Third Bank | $299.18 billion | No. 14 | 3 | Cincinnati, OH |
| Huntington | $283.07 billion | No. 15 | 4 | Columbus, OH |
| Citizens | $232.52 billion | No. 20 | 1 | Providence, RI |
| First Merchants Bank | $21.32 billion | No. 101 | 1 | Muncie, IN |
| Citizens State Bank | $581.0 million | No. 1,605 | 1 | Royal Oak, MI |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Royal Oak: FAQ
How many banks are in Royal Oak, MI?
Royal Oak has 6 banks with 11 branches and 8 credit unions with 9 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Royal Oak?
Huntington, with 4. Fifth Third Bank has 3 and Bank of America has 1.
Is there a Huntington in Royal Oak, MI?
Yes. FDIC data lists 4 Huntington branches in Royal Oak as of September 5, 2026. Its branches are listed under Huntington above, with the address and directions for each.
Is there a Fifth Third Bank in Royal Oak, MI?
Yes. FDIC data lists 3 Fifth Third Bank branches in Royal Oak as of September 5, 2026. Its branches are listed under Fifth Third Bank above, with the address and directions for each.
Is there a Bank of America in Royal Oak, MI?
Yes. FDIC data lists 1 Bank of America branch in Royal Oak as of September 5, 2026. The address and directions are under Bank of America above.
Is there a Chase in Royal Oak, MI?
No. FDIC data lists no Chase branch in Royal Oak as of September 5, 2026. The nearest is in Huntington Woods, about 1 miles away in a straight line.
Which banks in Royal Oak are open on Saturday?
Huntington, Fifth Third Bank, Bank of America and Citizens and 6 more publish Saturday hours for one or more Royal Oak locations. The Saturday section above lists each one with its hours. 5 of the 20 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Royal Oak?
Our Credit Union and Citizens State Bank have their main office in Royal Oak, according to the FDIC and the NCUA.
What is the oldest bank in Royal Oak?
Fifth Third Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1865.
Which credit unions can I join in Royal Oak?
Our Credit Union, Genisys Credit Union, Michigan Schools and Government Credit Union and Community Choice Credit Union and 4 more have offices in Royal Oak. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Royal Oak in the past year?
FDIC branch records show 1 branch opening between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Royal Oak?
Nearby cities with more banks include Berkley, Ferndale, Lathrup Village. Berkley is 1 miles away with 2 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 9 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Bank branch hours, phones and branch pages (6 of 11 branches: Bank of America, Citizens, Fifth Third Bank, Huntington) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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